The Operational Status And Problems Of Village Banks And Small Loan Companies In Wenzhou City

Small loan companies, village banks as a new thing in the rural financial reform, solves the problems of the existing banking financial institutions in rural area coverage problem low innovation, financial shortage, inadequate competition, such as lack of financial services, in the purpose of service, market positioning, to promote rural economic development role is the same, research village banks and the development of small loan companies to solve three rural, small micro enterprise financing difficult problem, as well as to improve the rural financial markets have a strong role in promoting. Since 2008, the pilot work, the city of small loan companies, village banks adhere to serve the "three rural" service tenet, the small and medium-sized enterprises, development and bank dislocation business, gradually expand the scale of development. Especially since the year before Wenzhou folk loan storm since, small loan companies, rural banks to some difficult enterprise financial support plays a positive role in energy, help many, small businesses through the financing difficult especially liquidity loan difficulties, make up the weakness of small business credit, support its commercial banks, optimize the allocation of financial resources in Wenzhou.Based on the literature method, the monographs, journals, statistical yearbook, website Webpage and technicality newspapers refer to a small loan companies, rural banks development philosophy research results the scholars at home and abroad are summarized; and then the people concerned about the financial office, the banking regulatory bureau, village banks, small loan companies such face-to-face, telephone and other means of interview, interview and so on, the accumulation of practice and the related data from Wenzhou City, find out the village banks and small loan company runs overall situation and problems, and on this basis from their own advantages and disadvantages, external risks and opportunities in areas such as correlation analysis system.First, Wenzhou small loan companies, rural banks and operation model of development characterized by the overall situation.Second, the basic situation of the county’s economic and financial development of these two closely related with Wenzhou and Wenzhou private financing basic situation.Third, there is a problem between the run and analyze the reasons for this conduct, drawn Wenzhou village bank microfinance companies with their own strengths and weaknesses, the external environment facing the challenges and opportunities for development. Currently Wenzhou small loan companies and rural banks is good momentum of development, but is also facing some difficulties:many operating restrictions, lack of relevant supporting policies, their deficiencies, the regulatory system is not perfect, lack of risk prevention.Fourth, for a small loan companies and rural banks strategic SWOT analysis of the combination induction, made in favor of small loan companies and from seeking policy breakthrough, an occasion to develop, the opportunity to develop and build the platform, improve the environment, enhance their different perspectives policies and proposals for sustainable development of rural banks to seek a suitable characteristic of Wenzhou local development of the road, in order to better serve the rural financial market and local economic development.